1995 Mercedes-Benz C-Class Car Insurance Quotes – 9 Tips for Cheaper Rates

Trying to find the cheapest auto insurance rates for your Mercedes-Benz C-Class? Tired of scraping the payment together each month for car insurance? You are in the same boat as many other drivers.

Because there are so many choices of insurance companies, it can be impossible to choose the lowest cost insurer.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have car insurance now, you should be able to cut costs considerably using this information. But consumers must understand how insurance companies sell online.

Finding Insurance Coverage Deals

There are a variety of methods to shop for 1995 Mercedes-Benz C-Class insurance coverage, but one way is less time-consuming than others. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can stay home and use online quoting to get prices fast.

Many popular insurance companies participate in a marketplace where prospective buyers send in one quote, and at least one company then gives them pricing for coverage. This eliminates the need for quotation requests for each company.

To enter your information into the quoting system, click here (opens in new window).

The only downside to using this type of system is you are unable to specify the companies to get quotes from. So if you want to select specific insurance companies to compare prices, we have assembled a list of insurance coverage companies in your area. Click to view list.

It’s up to you which method you use, but be sure to compare exactly the same coverage information with every price quote. If your comparisons have mixed coverages it will be very difficult to determine which rate is truly the best. Having just a slight variation in insurance coverages can result in a big premium difference. And when comparison shopping, obtaining a wide range of quotes provides better odds of finding the best price.

Discounts can save BIG

Companies don’t list all their discounts very clearly, so we took the time to find both well-publicized and also the lesser-known ways to save on auto insurance.

  • Paperless Signup – A few companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Clubs and Organizations – Being a member of a qualifying organization could qualify you for a break on auto insurance on C-Class insurance.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • New Car Discount – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% on C-Class insurance with certain companies.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could cut 10% or more off your medical payments premium.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on C-Class insurance than their less cautious counterparts.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Senior Citizens – Mature drivers may be able to get better auto insurance rates on C-Class insurance.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most only cut individual premiums such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky.

For a list of companies with the best auto insurance discounts, click here to view.

Will just any policy work for me?

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions can aid in determining if your insurance needs could use an agent’s help.

  • Am I better off with higher deductibles on my 1995 Mercedes-Benz C-Class?
  • How much liability insurance is required?
  • Do I have coverage when making deliveries for my home business?
  • Do I pay less if my vehicle is kept in my garage?
  • Can I rent a car in Mexico?
  • Am I missing any policy discounts?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Will my rates increase for filing one claim?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Car insurance coverage breakdown

Learning about specific coverages of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages found on most car insurance policies.

Liability coverages

This coverage will cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like attorney fees, bail bonds and medical expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive car insurance

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hitting a bird, vandalism and hitting a deer. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

This coverage covers damage to your C-Class from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, sustaining damage from a pot hole, backing into a parked car, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Coverage for medical expenses

Med pay and PIP coverage pay for immediate expenses for things like rehabilitation expenses, ambulance fees and chiropractic care. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 1995 Mercedes-Benz C-Class.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Be a money saver!

You just read many tips how you can reduce 1995 Mercedes-Benz C-Class insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from the smaller companies. They may only write in your state and offer lower rates than their larger competitors like State Farm and Allstate.

As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, an insured cut comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage at the best price, not the least amount of coverage.

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